Call reports 2020
FIVE STAR BANK — 2020
What FIVE STAR BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,559,862,000 | 2,108,392,000 | 2,057,242,000 | 1,953,474,000 |
| Total loans | 1,267,783,000 | 1,521,774,000 | 1,564,908,000 | 1,507,980,000 |
| Allowance for loan losses | 16,492,000 | 17,906,000 | 19,552,000 | 22,189,000 |
| Securities available for sale | 71,686,000 | 71,597,000 | 109,891,000 | 114,949,000 |
| Securities held to maturity | 8,943,000 | 8,924,000 | 8,481,000 | 7,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,375,501,000 | 1,962,562,000 | 1,894,769,000 | 1,787,555,000 |
| Interest-bearing deposits | 1,004,390,000 | 1,309,508,000 | 1,284,905,000 | 1,082,921,000 |
| Noninterest-bearing deposits | 371,111,000 | 653,054,000 | 609,864,000 | 704,634,000 |
| Equity capital | 134,275,000 | 140,641,000 | 156,253,000 | 159,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 17,220,000 | 35,659,000 | 54,273,000 | 75,159,000 |
| Interest expense | 2,367,000 | 4,627,000 | 6,390,000 | 7,408,000 |
| Net interest income | 14,853,000 | 31,032,000 | 47,883,000 | 67,751,000 |
| Noninterest income | 1,020,000 | 2,908,000 | 4,985,000 | 7,094,000 |
| Noninterest expense | 5,992,000 | 11,913,000 | 18,735,000 | 27,233,000 |
| Provision for loan losses | 2,600,000 | 4,150,000 | 6,000,000 | 9,000,000 |
| Pretax income | 7,813,000 | 18,843,000 | 29,374,000 | 40,050,000 |
| Income tax | 278,000 | 665,000 | 1,036,000 | 1,337,000 |
| Net income | 7,535,000 | 18,178,000 | 28,338,000 | 38,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,529,000 | 137,767,000 | 153,527,000 | 155,808,000 |
| Total capital | 149,123,000 | 154,838,000 | 171,102,000 | 174,002,000 |
| Risk-weighted assets | 1,385,056,000 | 1,364,804,000 | 1,403,982,000 | 1,451,429,000 |